Method and system for computerized insurance underwriting

ABSTRACT

This invention relates generally to a computer system and method for integrating insurance policy underwriting. In one aspect it integrates the older legacy insurance policy generating systems to on line systems where users access the system through browsers. The computer system to perform the process of underwriting, rating, quoting, binding, and booking an insurance policy includes browsers, data bases, processors and a dispatcher that parses the information to select an insurance process. Suitable software programs review messages received from users to determine if certain messages are less than a prescribed limit. If a message is greater than the limit, then the message is parsed into a header information and one or more data fields whereby the header information is provided to a legacy processor and to policy generation software for further creation of policy related information and documentation.

CROSS-REFERENCE TO RELATED APPLICATIONS

The present application claims priority to U.S. Provisional Patent Application Ser. No. 60/533,733 filed Dec. 30, 2003.

BACKGROUND OF THE INVENTION

1. Field of the Invention

This invention relates generally to computer-based insurance processing and more specifically to integrating a legacy insurance policy underwriting process to a real-time on-line process.

2. Description of the Related Art

With regard to the insurance industry, records regarding issued policies, premiums, payments and payouts must be maintained for extended periods of time. The insurance industry readily embraced computer and computer technology for the storage of their records and files and developed special purpose software systems that are suitable for the maintenance and storage of the insurance files.

As computer technology and computer software changes, the insurance industry is pressed to update and upgrade their equipment and facilities. For example, the current computerized process for underwriting an insurance policy is a textual-based system that is burdensome and not user-friendly. The process requires that the underwriting agent prepare forms using manual tabulation of data and, in cases, requires specialized knowledge with regard to translating human-readable information into computer-readable codes. This is time-consuming and labor-intensive. However, there is hesitation to upgrade current existing software, i.e., legacy processor and associated software, as there is a significant cost in time, labor and expense in transitioning existing legacy-software-based files to newer software.

Hence, there is a need for a method and system that is not time-consuming, burdensome and labor-intensive that affords an underwriting agent the ability to process the factors that underwrite an insurance policy while providing proper interface with existing legacy-based files.

SUMMARY OF THE INVENTION

This invention relates generally to computer-based insurance processing and more specifically to integrating the insurance policy underwriting processes. In one aspect of the invention a computer system to perform the process of underwriting, rating, quoting, binding, and booking an insurance policy comprises one or more browsers operative to communicate associated information to a dispatcher that parses the information to select an insurance process and an output device to produce the insurance product. A server having suitable software reviews the message received from a browser and determines whether the message length is greater than a predetermined limit, and if the message is less than the limit, then input data is provided to a first input queue and input to a dispatcher means for subsequent processing. The system further includes the feature whereby if the message is greater than the predetermined limit, then the message is parsed into a header information and one or more data fields information and the header information is provided to first input queue and the data information is provided to a second input queue and the dispatcher means and the data information is provided to a legacy processor and associated software system. In one aspect of the invention, the information in the data field is parsed into multiple records of a predetermined size, preferably 16 kilobytes. Following completion of the processing the results are provided to a user-assigned data queue and subsequently to the server.

BRIEF DESCRIPTION OF THE DRAWINGS

The invention is best understood from the following detailed description when read in connection with the accompanying drawing. The various features of the drawings are not specified exhaustively. On the contrary, the various features may be arbitrarily expanded or reduced for clarity. Included in the drawing are the following figures:

Other aspects, advantages and novel features of the invention will become more apparent from the following detailed description of the invention when considered in conjunction with the accompanying drawings wherein:

FIG. 1 is a block diagram of a process flow of an underwriting system in accordance with the principles of the invention;

FIG. 2 is a second block diagram of an exemplary process flow of an underwriting system in accordance with the principles of the present invention;

FIG. 3 illustrates a block diagram of the structure of the underwriting system shown in FIG. 1 and FIG. 2;

FIG. 4 illustrates a state diagram of the exemplary structure shown in FIG. 3;

FIG. 5 illustrates a block diagram of a second aspect of the system shown in FIG. 1 and FIG. 2;

FIG. 6 illustrates a block diagram of another aspect of the system shown in FIG. 1 and FIG. 2;

FIG. 7 illustrates an exemplary format for exchanging information in accordance with the principles of the invention;

FIG. 8 illustrates a state diagram of an exemplary processing in accordance with the principles of the invention;

FIG. 9 illustrates a flow chart of an exemplary process associated with the operation and communication with e-file database in accordance with the principles of the invention;

FIG. 10 illustrates an exemplary process associated with parsing of an Inquiry command in accordance with the principles of the invention;

FIG. 11 illustrates an exemplary process for establishing account information in accordance with the principles of the invention; and

FIG. 12 illustrates an exemplary graphic interface in accordance with the principles of the invention.

It is to be understood that these drawings are solely for purposes of illustrating the concepts of the invention and are not intended as a definition of the limits of the invention. The embodiments shown in the figures herein and described in the accompanying detailed description are to be used as illustrative embodiments and should not be construed as the only manner of practicing the invention. Also, the same reference numerals, possibly supplemented with reference characters where appropriate, have been used to identify similar elements.

DETAILED DESCRIPTION OF THE INVENTION

In the figures to be discussed, the circuits and associated blocks and arrows represent functions of the process according to the present invention, which may be implemented as electrical circuits and associated wires or data busses, which transport electrical signals. Alternatively, one or more associated arrows may represent communication (e.g., data flow) between software routines, particularly when the present method or apparatus of the present invention is a digital process.

FIG. 1 illustrates a block diagram of a system 100 for an integrated method of insurance underwriting in accordance with the principles of the invention. In this system, one of more users 105 employ a browser apparatus 110 having browser software 113 that operates in association with a web/application server 120 via processor 112 and network 115. Network 115, as would be recognized by those skilled in the art, may be a local area network (LAN), wide area network (WAN), or a public network, such as the INTERNET or conventional telephone network that may include hardware interfaces and input and output devices as by way of example: facsimile machines, document scanners, printers, copiers and handheld communication devices that receive and send information from and to the processes of the present invention and produce insurance policies, insurance statements and bills. Web/app server 120 is also in communication with a system 130 containing data queues 132, intermediary data queues 240 to retain processing results, an output data queue 134 to retain the output from a legacy system, input from a table lookup data base 510 (to be further described in FIG. 5) and a dispatcher module 136 which parses information received from the browser to determine which insurance process to call to service the browser request. Although not shown, it would be appreciated that web/app server 120 may be in communication with system 130 via a network similar to or different from that of network 115.

System 130 is further in communication with system 140 comprised of legacy process and associated software module 142 that is suitable for communicating with a legacy database 144 for the storage and/or retrieval of desired data or information items. One skilled in the art would appreciate that system 140 may be external to system 130 and, thus, system 130 and legacy system software 142 may be in communication via a network similar to or different from that of network 115.

Database system 150, comprised of a database referred to herein as “e-file” database 152 and server 154 is further in communication with network 115. Those skilled in the art of programming will appreciate that the database system 150 may optionally connect directly to the server 112 as described in FIG. 2; the connection being a design choice. The operation of the database 150 is more fully disclosed in FIG. 9 although in general it contains quote letters, binding letters, or issue letters that may be preformed using the available features of the word processing program and desired information associated with each insurance account.

FIG. 2 illustrates a block diagram of the system 130. As noted with regard to FIG. 1, web/app server 120 provides information based upon input received from one of more users 105 ₁ through 105 _(n) employing one or more browsers 110 ₁ through 110 _(n) operating in association with processor 112 though the network 115 to an input data queue 132. The information stored in data queue 132 is then provided to the dispatcher 136, which parses the information to determine which specific insurance process 210A₁ through 210A_(n) is associated with the information. In one embodiment, each process is related to one or more different insurance products 210B₁ through 210B_(n) that may be available to the public (life, property and casualty) or custom designed products for doctors, lawyers or other professions or organizations requiring a particular kind of insurance.

Processing results 210A₁ through 210A_(n) are stored in one of a plurality of intermediary data queues 240 ₁-240 _(n). Each product 210B₁ through 210B_(n) stores the results of its processing in an associated data interim database 210C₁ through 210C_(n) respectively. Intermediary data queues 240 ₁ through 240 _(n) retain processing results based on a user 105 ₁ through user 105 _(n) identification. Web/app server 120, in receiving product processing 210A₁ through 210A_(n) results from the intermediary data queues 240 ₁ through 240 _(n) transmits the results to the appropriate browser 110 ₁ through 110 _(n). Although intermediary data queues 240 ₁ through 240 _(n) are shown to be physically disjointed, it would be recognized by those skilled in the art of computer programming that intermediary data queues 240 ₁ through 240 _(n) may represent logical devices on one or more physical devices.

In response to a “submit” message from a user at a browser 110, the dispatcher 136 directs the associated process to transfer to the legacy processor and associated software 142, which then stores the results in database 144.

FIG. 3 illustrates an organizational structure 300 of dispatcher 136 in responding to input data or information items received from the browsers 110 ₁ through 110 _(n) for each product. In this organization structure, inputs are received by main menu 310, which by way of example then determines whether the input data requires that inquiry processing 320, new account processing 330 or modify existing account processing 370 be performed.

When the main menu 310 determines inquiry processing 320 is to be performed, the content of the inquiry command is then reviewed to determine whether the inquiry requires information as by way of example and not limitation with regard to a policy 322, a claim 324, billing 326 or reinsurance 328. Inquiry processing is more fully disclosed with regard to FIG. 10.

When the main menu block 310 determines new account processing 330 is to be performed, a determination is made at block 332 whether all the account information has been cleared. When all the account information is cleared, the account information is established at block 334. Establishment of account information is more fully disclosed with regard to FIG. 11.

After the account information is established, one of a plurality of processes, i.e., account summary, 336, underwriting worksheet 340, rating 344, create quote 348, create binder 352, book and bill 356, and issue policy 360, associated with the input information item is executed. Account summary processing 336 includes the steps of adding or changing general detail information such as new or renewal, primary or excess, effective date, contact information and product selection. Underwriting worksheet 340 includes the steps of adding additional information based on the product selected. The information is product specific. Rating process 344 includes the steps of defining debits or credits and calculating premium options using either a legacy rating engine or a spreadsheet means. Create quote process 348 includes the steps of creating a letter, conventionally referred to as a quote letter, using a word processing program with an option to select various premiums calculated from rating process 344. The create binder process 352 includes the steps of creating a letter, conventionally referred to as a binder letter, using a word processing program with an option to select a premium option calculated from rating process 344. Book and bill process 356 includes the steps of selecting industry code, ISO class as well as payment plan and billing method before finalizing or booking the account. Issue policy process 360 includes the steps of printing and issuing an insurance policy. Optionally, a printer and output type, such as draft or production, may be selected.

In one aspect of the invention, each of the processes is executed in sequence, wherein a subsequent process is not allowed to be performed until a preceding process has completed it operation. Thus, after the account summary process 336 is executed, a determination is made at block 338 whether an update of the account summary has occurred. If the answer is negative, then processing is returned to the account summary process for further processing. However, if the answer is in the affirmative, then tab 337 enables processing to continues to underwriting worksheet 340 processing. Similarly, rating 344 processing is executed until a determination at block 346 indicates that the preceding process, in this case rating 344, has been executed or performed. FIG. 3 illustrates that each of the processes 336, 340, 344, 348, 352, 356 and 360 have corresponding tests 338, 342, 346, 348, 354, 358 and 362. In each instance a corresponding tab 337, 339, 341, 343, 345 and 347 enable the subsequent process to operate if the determination is in the affirmative.

The ability to determine the execution of preceding processes is advantageous as it allows the user to update, amend or modify input data or prior process results without requiring the sequential execution of preceding processes. In this manner, an underwriting process may be partitioned into one or more sessions that enables the user to “tailor”, customize or modify a desired package to meet the insured party's needs.

Modify existing account process 370 operates on existing accounts and operates similar to new account process 330 in executing one or more of the illustrated processes. However, as the nomenclature suggests, modification, amendment and changes to existing policies are achieved.

Also illustrated is a forms data base 353, which includes a plurality of standardized forms used in the insurance underwriting process. The use of standardized forms is advantageous as it provides the user known, pre-approved forms and letters. Furthermore, the contents of the forms can be dynamically filled by information provided by each of the processes included in the underwriting process. Forms database 353 is accessible from create quote process 348, create binder process 352, book and bill process 356 and issue policy process 360. These processes may further enable the forms to be contained in a centralized process for storage and archiving.

In one aspect of the invention FIG. 4 illustrates an exemplary state diagram of the process shown in FIG. 3. In this exemplary process diagram, each of the processes 336 through 360 is represented as a state that when successfully completed allows processing to continue at a next state. For example, when rating state 344 is completed, processing continues at process create quote 348. Otherwise, processing remains in the rating state 344. In one aspect of the invention, a state variable or variables may include indications about which states have been executed. Hence, a process state may not be executed until the preceding states have been indicated to have been executed. In another aspect, when a state is entered, all indication of subsequent state processes are set to a “not executed” state.

FIG. 5 illustrates a block diagram of another aspect of the system shown in FIG. 1 and FIG. 2. In this aspect of the invention, browser 110 software 113 controls a communication with the e-file system 150 and processor 112 directly or via network 115 (not shown). Web server 120 reviews the message received from browser software 113 and determines at decision block 500 whether the message length is greater than a predetermined length. In one aspect of the invention, the predetermined limit is set to 32 kilobytes. If the determination is that the message length is not greater than a predetermined limit, then the input data is provided to an input queue 502. The information may then be provided to the dispatcher 136 for subsequent process as described in FIG. 1 and FIG. 2.

However, if the message is greater than the predetermined limit, then the information is parsed into a header and data fields. In this case, the header information is provided to first input queue 502 and the data information is provided to an input queue 503. In this case, the header is provided to the dispatcher 136 and the data information is provided to one of the products process 210 or the legacy system 140 having the legacy process 142 and an associated database 144. In one aspect the information in the data field is parsed into multiple records of a predetermined size. In one embodiment, the record size is 16 kilobytes. Upon process completion the results are provided to the user assigned data queue 506 and subsequently to the web server 120.

A table lookup data base 510 may include information that may be used in a browser 110 _(n) through 110 _(n) “drop-down” menus associated with a specific field in a specific process interface. For example, the address field table lookup data base 510 may include the names of the fifty states of the United States which may be displayed in a “drop-down” menu. A user may then select one of the predefined entries from the “drop-down” menu. Table lookup data base 510 may also include, for example, product codes or underwriter codes by way of example.

FIG. 6 illustrates a block diagram of another aspect of the system shown in FIG. 1 and FIG. 2. In this aspect of the system, browser software 113 is shown comprising processes account summary 336′, underwriting worksheet 340′, rating 344′ create quote 348′ create binder 352′ book and bill 356′ and issue 360′ which correspond to dispatcher 136 processes 336 through 360, respectively. Each process 336′-360′ is operable to assess e-file data base 150 and Popup page 610. Popup page 610 is operable to display information associated with table lookup data base 510. In this aspect of the invention, the centralized table lookup data base 510 allows additions to the information in the table lookup data without altering any browser 110 ₁ through 110 _(n).

The network 115 transmits and receives data from the browser processes 336′ through 360′ to the input data queues 132 and the input data queue 503 which operation in conjunction with dispatcher 136 previously has been described. The information stored in data queue 132 is then provided to the dispatcher 136, which parses the information to determine which specific process 210 such as shown in FIG. 1 products 210A₁ through 210A_(n) is associated with the information. Input data queue 503 also communicates with the legacy process 140 to update information in the data base 144.

FIG. 7 illustrates an exemplary format 700 for exchanging information in accordance with the principles of the present invention. In this exemplary format, thirty (30) data bytes are allocated for data transfer. In one aspect, data bytes are composed of 8 data bits. However, it would be recognized that the number of data bytes or the size of the data bytes may be altered without altering the scope of the invention and is thus considered to be within the scope of the invention.

In this case, eight (8) bytes 710 are allocated for the identification of a desired process or operation, seven (7) bytes 715 are allocated as a user identification, that may also be used as an identifier on the respective data queues. Five (5) bytes 720 are allocated for a state identification, seven (7) bytes 725 are allocated for a state function identification, nine (9) bytes 730 are held as reserved, ten (10) bytes 735 are allocated for a state switch indication, five (5) bytes 740 are allocated to provide an indication to allow a next state, and two (2) bytes 745 are allocated to indicate the status of a request.

Process identification bytes 710 may be associated with the type of environment dispatcher 136 is operating within. For example, dispatcher 136 may operate in a production environment, a test environment or a shut down environment. As one skilled in the art would recognize, in a test environment dispatcher 136 would include executable features that may not be included in a production environment.

User identification bytes 715 may be statically or dynamically assigned to a user to uniquely identify users. In one aspect, the user identification 715 may be 105 ₁ through 105 _(n) the user name or initials. The User identification may also include a password that limits access to authorized users. State identifier 720 provides an identification of a current state. With reference to FIG. 3, the state identifier 720 may be associated with and identified as account summary, underwriting worksheet, rate, create quote, create binder and issue. Function identifier code 725 provides an identification regarding a next operation to be executed. In one aspect, function identifier code 725 may represent a state such as “update and remain at current state” or “update and advance to next state.” In the former case, data bases may be updated, but the processing remains at a current state, while in the latter case, data bases may be updated and processing is allowed to proceed to the next state. State switch indication 735 provides direction with regard to a switch in the state process flow of dispatcher 136. Switch indication 735 may be used by browser 110 to enable a user to enter information suitable for a next state. Next state indicator 740 may be used by any browser 110 ₁ through 110 _(n) to enable a user to progress or proceed to a next state. Request state 745 may be used by any browser 110 ₁ through 110 _(n) to indicate when a requested update has been completed successfully.

A method of the present invention underwrites, rates, quotes, binds, books and bills and issues insurance policies comprising the steps of maintaining the browser 110 to communicate information to the dispatcher system 130, and parsing information in the dispatcher 136 to communicate with one or more insurance generating processes 210. FIG. 8 illustrates a state diagram depicting an exemplary interaction 800 between the browser 110 ₁ through 110 _(n) and the dispatcher 136 over the network 115 in accordance with the principles of the invention. In this illustration, dispatcher states 336 through 360 are in communication with a main menu state 310, as discussed with regard to FIG. 3 and FIG. 4. Browsers 110 ₁ through 110 _(n) include states 336′ through 360′ corresponding to states 336 through 360 in the dispatcher 136. Process states 336′ through 360′ allow a user to enter information items, using a Graphic User Interface (GUI) that may be processed by dispatcher 136. In this illustrated embodiment, process states 336′ through 356′ are operable to remain in a current state, proceed to a subsequent state or to a preceding state. In the illustrated embodiment, a user thus may restart all or part of the underwriting process to customize the package to meet an insured party's needs.

Using a GUI corresponding to a specific state, a user may manually enter the state, for example 336′, which is then registered as a current state. The current state may then be transferred to the dispatcher 136 through the transfer format 700 shown in FIG. 7 and the corresponding process may then be executed. Upon completion of the current state processing, an indication of successful update is returned to the associated browser 110 ₁ through 110 _(n) which allows a user to enter next subsequent state, in this case state 340′, and enter information items using a GUI associated with this new current state. The information items obtained in this new current state 340′ may then be transferred to the dispatcher 136 through transfer format 700 shown in FIG. 7 and the corresponding process may then be executed. Upon completion of the current state processing, an indication of successful completion or update is returned to the associated browser 110 ₁ through 110 _(n) which allows a user to enter next subsequent state. This procedure may be repeated until each of the process states has been successfully completed.

However, the user may manually return to a preceding state to update the information contained therein and execute the associated processing in the dispatcher 136. This ability to repeat certain preceding processes is advantageous as it allows for alternative formulations of the underwriting process without requiring input of all prior data.

Communication with legacy processor and associated software 142 may be performed using known software tools. For example, in one aspect, use of IBM AS/400 software Toolkit provides necessary plug-ins and protocols to communicate with legacy database 144 and need not be discussed in detail herein. IBM is a registered Trademark of the International Business Machine Corporation, Armonk, N.Y.

FIG. 9 illustrates a flow chart 900 of an exemplary processing associated with the operation and communication with e-file database 150. As illustrated, this exemplary process may be accessed by process steps 336, 340, 353, 356 and 360 shown in FIG. 3, represented by block 910. At block 920 access to an available suite of programs for word processor or spreadsheet operation is enabled. In one aspect, access to word processing software MS-WORD 925 and spreadsheet software MS-EXCEL 930 is available. MS-WORD and MS-EXCEL are registered trademarks of the Microsoft Corporation, Redmond, Wash. Although the present invention is disclosed with regard to MS-WORD and MS-EXCEL, it would be recognized by those skilled in the art that other word processing or spreadsheet programs may also be used and, thus, are considered to be within the scope of the invention.

Templates, created or available, within the word processing program may then be accessed and information items from an associated account may then be stored in predetermined fields within a selected template. For example, quote letters, binding letters, or issue letters may be preformed using the available features of the word processing program and desired information associated with each account may be extracted from the collected data and stored in predetermined fields within the selected template.

At block 926 a determination is made whether to exit the selected word processing program. When exiting the program, the program is closed at block 927 and processing proceeds to block 940 to update an e-file 150 program. The updated information is then stored in the e-file data base 150 (FIG. 1).

Similarly, when the spreadsheet program, in this case MS-EXCEL, is selected at block 930, templates available at block 930 are accessed and information from an associated account is stored in predetermined fields within a selected template. At block 931, a determination is made whether to exit the selected program and the program closed at block 932. A determination is then made at block 935 whether the information is to be returned to a browser 110 ₁ through 110 _(n) (FIG. 1). If the answer is in the affirmative, the program is closed at block 936 and the information is returned via block 910.

However, if the answer is in the negative, then the program is closed at block 936 and processing proceeds to block 940 to update the e-file 150 program. The updated information is stored in e-file data base 150 (FIG. 1).

In another aspect, the e-file data base 152 may be searched, at block 950, for designated or selected account information. In this case, information regarding account information, such as insured name, is made available at block 955. At block 960, the e-file database 152 is accessed and searched for the designated or selected account. At block 965, the information is returned to the search requester, i.e., the associated browser 110 ₁ through 110 _(n).

In another aspect, documents related to a particular account, e.g., the currently opened account associated with the specific user, may be accessed at block 970. In this case, a search for documents associated with a currently opened account is initiated at block 975. At block 980 a search program is executed that accesses e-file database 152. The results of the search may then be provided to search requester at block 965.

FIG. 10 illustrates an exemplary process 1000 associated with parsing of an inquiry command chosen from a main menu 1005 in accordance with the principles of the invention. In this illustrated process, information associated with a desired account, e.g., user name or policy number, is provided at block 1010. At block 1020, a search program is executed to extract account information associated with the provided input data. At block 1030, a determination is made whether more than one entry has matched the provided input information. If the answer is in the affirmative then the matching entries are provided to a user at block 1040. At block 1050, a user may select an account from the matching entries. The selected account is then provided to the policy detail module 1060, the claims detail module 1065, reinsurance detail module 1070 or billing module 1075. Policy detail module 1060 may include information regarding the policy limits or terms associated with the selected account. Claims detail module 1065 may include information regarding claims written or processed against the selected account. Reinsurance module 1070 may include information regarding whether reinsurance is associated with the selected account. Billing module 1075 may include information regarding invoices and payments associated with the selected account.

However, if only one entry is found to match the provided input information, then that entry is provided to the policy detail module 1060, the claims detail module 1065, reinsurance detail module 1070 or billing module 1075.

FIG. 11 illustrates an exemplary process 1100 for establishing account information. In the illustrated process, a user 105 such as earlier describe in connection with FIG. 1 is presented with a main menu 1105 and enters information, such as a name of an insured party or other identifying characteristic, at block 1110. For example, a user may enter one or more characters that represent parts or all of a name or identifying characteristic. At block 1120 a search of the legacy data base 142 (FIG. 1) is executed to determine entries, i.e., user accounts, that substantially match the user entered information. At block 1130 a list of matching entries that substantially match the user entered information is provided to the user. At block 1140, a determination is made whether the user entered information matches an entry on the list of matching entries or whether a new account must be created. If a matching entry is found, then the information in the entry or account is made available to one or more of the processes shown in FIG. 3, as represented by block 1160.

However, if a matching entry is not found, a new account may be created at block 1150, wherein additional information such as address, contact information, new account or account renewal, producer, product, or underwriter may be entered. In addition, notes or comments may be added to the account information. The information in the new entry or account is then made available to one or more of the processes shown in FIG. 3, as represented by block 1160.

FIG. 12 illustrates an exemplary GUI 1200 for processing account information in accordance with the principles of the invention. In this illustrated interface, a user may select a process such as account summary 1210, underwriting worksheet 1215, rating summary 1220, create quote 1225, create binder 1230, book and bill 1235 or issue policy 1240. As previously described, processes are selected in a sequential order but previously executed processes may be re-selected to update information within the selected process.

FIG. 12 depicts the GUI associated with account summary process 1210, i.e. process 336. In this interface, information regarding the insured party, such as name, address and city/state may be entered at blocks 1252, 1253, 1254 respectively. Also information contact or beneficiary information may be provided at block 1255.

At block 1262, information regarding a producer or agent may be entered and at block 1272 information regarding the type of insurance, e.g., D&O, malpractice, etc., may be entered. At blocks 1282, comments regarding the policy or the account may be entered and at block 1284 the underwriter may be identified. At block 1286 a date of a next action and type of action may be entered or determined. For example, the date of the next premium payment may be determined based on the payment terms.

At block 1287, an “update” operation allows the user to update the information entered and at block 1288, a “submit” operation allows the user to memorialize the entered information. The “submit” procedure further indicates that a step has been completed, thus enabling entry into a next process. A “reset” operation, at block 1290, clears the information on the currently displayed GUI.

Furthermore, each of the processes is accessible on each of the available process GUIs by maintaining indications 1210 through 1240 associated with the processes 336 through 360, respectively. In this manner, a user may switch between process indications to review or change data in other processes.

While there has been shown, described, and pointed out fundamental novel features of the present invention as applied to preferred embodiments thereof, it will be understood that various omissions and substitutions and changes in the apparatus described, in the form and details of the devices disclosed, and in their operation, may be made by those skilled in the art without departing from the spirit of the present invention. It is expressly intended that all combinations of those elements that perform substantially the same function in substantially the same way to achieve the same results are within the scope of the invention. Substitutions of elements from one described embodiment to another are also fully intended and contemplated. It will be understood that various omissions and substitutions and changes in the routines and algorithms described, in the form and details of the methodologies disclosed, and in their operation, may be made by those skilled in the art without departing from the spirit of the present invention. It is expressly intended that all combinations of those elements that perform substantially the same function in substantially the same way to achieve the same results are within the scope of the invention. Substitutions of elements from one described embodiment to another are also contemplated and should be considered embodied in the present invention. 

1. A computer system for underwriting, rating, quoting, binding, and booking an insurance policy comprising: an intermediary computer system comprising a processor coupled to a memory device, the processor configured to receive information from one or more user devices executing browsers operative to communicate associated information to and from the system; the processor further configured to permit each one of a plurality of sequential insurance processes to be performed only upon completion of a prior one of the plurality of processes, wherein the processes comprise, in sequence, at least an underwriting worksheet process, a rating process, a create quote process, a create binder process and a book and bill process; wherein the processor is configured to: permit the rating process to be performed only upon completion of the underwriting worksheet process; permit the create quote process to be performed only upon completion of the rating process; permit the create binder process to be performed only upon completion of the create quote process; and permit the book and bill process to performed only upon completion of the create binder process; wherein the processor is further configured to maintain the browser in one of a plurality of user-selected browser states, each of the browser states corresponding to one of the insurance processes, to maintain a plurality of process states corresponding to the browser states, to receive data from the browser, and to permit an insurance process corresponding to the user-selected browser state to be performed responsive to the receipt of data, the user-selected browser state being permitted only subject to permission for the corresponding insurance process to be performed; wherein the processor is further configured to generate interface elements associated with at least two of the browser states; and a second computer system in communication with the intermediary computer system, the second computer system configured to maintain a database comprising user account data, and the processor configured to search the database responsive to user requests received from the browser.
 2. The computer system in claim 1, wherein the processor is configured to communicate data to an output data queue to retain the output received from the second computer system.
 3. The computer system in claim 1, wherein one or more browsers communicate information to the processor, which parses the information to determine the specific insurance process associated with the information.
 4. The computer system in claim 3, wherein one or more data queues communicate one or more results of a specific process to the browser.
 5. The computer system in claim 3, wherein inputs are received from a main menu, which determines whether the input data requires processing selected from a group including: an inquiry processing, a new account processing or a modify existing account processing.
 6. The computer system in claim 1, wherein one or more browsers communicates with an e-file.
 7. The computer system in claim 6, wherein a server analyzes a message from one or more browsers and determines whether the message length is greater than a predetermined length.
 8. The computer system in claim 1, further comprising: a server to review a message received from the browser and a means to determine whether the message length is greater than a predetermined limit; and if the message is less than the limit then input data is provided to a first input queue and used as input to a means for producing the insurance product.
 9. The computer system in claim 8, wherein if the message is greater than the predetermined limit, then the message is parsed into a header information and one or more data fields information and the header information is provided to first input queue and the data fields information is provided to a second input queue and the dispatcher means and the data fields information is provided to a processor of the second computer system and associated software system.
 10. The computer system in claim 9, wherein the information in the data field is parsed into multiple records of a predetermined size.
 11. The computer system in claim 8, wherein the message size is equal to or greater than 16 kilobytes.
 12. The computer system in claim 8, whereupon the subsequent processing completion results are provided to a user assigned data queue and subsequently to the server.
 13. The computer system in claim 1, further comprising: a table lookup data queue for underwriting, rating, quoting, binding, booking and billing and issuing insurance policies comprising: a drop-down menu in a browser associated with a field selected from a group including: the identification of a desired process or operation, data bytes for user identification, data bytes for a state identification, data bytes for state function identification, data bytes for a state switch indication, data bytes for providing an indication to allow a next state, data bytes for indicating the status of a request.
 14. A computer-implemented method to underwrite, rate, quote, bind, book and bill and issue insurance policies comprising the steps of communicating by a processor via a network with maintaining a browser on a client computer system to communicate information to a dispatcher, and permitting by the processor each one of a plurality of sequential insurance processes to be performed only upon completion of a prior one of the plurality of processes, wherein the processes comprise, in sequence, at least an underwriting worksheet process, a rating process, a create quote process, a create binder process and a book and bill process parsing information in the dispatcher to communicate with one or more insurance generating processes and printing one or more insurance products resulting from said processes, wherein the processor is configured to: permit the rating process to be performed only upon completion of the underwriting worksheet process; permit the create quote process to be performed only upon completion of the rating process; permit the create binder process to be performed only upon completion of the create quote process; and permit the book and bill process to performed only upon completion of the create binder process; the method further comprising maintaining by the processor the browser in one of a plurality of user-selected browser states, each of the browser states corresponding to one of the insurance processes, maintaining by the processor a plurality of process states corresponding to the browser states, generating by the processor interface elements associated with at least two of the browser states; receiving by the processor data from the browser, permitting by the processor an insurance process corresponding to the user-selected browser state to be performed responsive to the receipt of data, the user-selected browser state being permitted only subject to permission for the corresponding insurance process to be performed; and searching, responsive to user requests received from the browser, by the processor a database comprising user account data maintained by a second computer system in communication with the processor.
 15. The computer-implemented method in claim 14 comprising the additional step wherein the processor communicates with the second computer system and produces output to a data queue.
 16. The computer-implemented method in claim 14 comprising the additional step of parsing by the processor information received from the browser to determine the specific insurance process associated with the information.
 17. The computer-implemented method in claim 16 comprising the additional step of transmitting from one or more data queues the results of a specific process associated with the information to the appropriate browser.
 18. The computer-implemented method in claim 16 comprising the additional step of inputting information by the processor and receiving said input by a main menu which determines whether the input data requires processing from a group including: an inquiry processing, a new account processing or a modify existing account processing.
 19. The computer-implemented method in claim 14 comprising the additional step of maintaining one or more browsers to communicate with an e-file system.
 20. The computer-implemented method in claim 19 comprising the additional step of reviewing the message received from one or more browsers to determine whether the message length is greater than a predetermined length.
 21. The computer-implemented method in claim 14 comprising the additional step of: reviewing a message received from the browser and determining whether the message length is greater than a predetermined limit, and if the message is less than the limit then inputting data to the dispatcher for subsequent selection of an insurance process and printing an insurance product based upon the insurance process.
 22. The computer-implemented method in claim 21 comprising the additional step wherein if the message is greater than the predetermined limit, then the message is parsed into a header information and one or more data fields information and the header information is provided to first input queue and the data information is provided to a second input queue and the dispatcher means and the data information is provided to a processor of the second computer system and associated software system.
 23. The computer-implemented method in claim 22 comprising the additional step wherein the information in the data field is parsed into multiple records of a predetermined size.
 24. The computer-implemented method in claim 21 comprising the additional step of maintaining the message size to 16 kilobytes.
 25. The computer system of claim 1, wherein the processes further comprise an account summary process, wherein the processor is further configured to permit the underwriting worksheet process to be performed only upon completion of the account summary process.
 26. The computer system of claim 1, wherein the processes further comprise an issue policy process, wherein the processor is further configured to permit the issue policy process to be performed only upon completion of the book and bill process.
 27. The computer system of claim 1, wherein the underwriting worksheet process adds information dependent on a product selection.
 28. The computer system of claim 1, wherein the rating process includes calculating premium options.
 29. The computer system of claim 1, wherein the book and bill process includes the steps of selecting a payment plan and a billing method.
 30. The computer-implemented method of claim 14, wherein the processes further comprise an account summary process, wherein the processor is further configured to permit the underwriting worksheet process to be performed only upon completion of the account summary process.
 31. The computer-implemented method of claim 14, wherein the processes further comprise an issue policy process, wherein the processor is further configured to permit the issue policy process to be performed only upon completion of the book and bill process.
 32. The computer-implemented method of claim 14, wherein the underwriting worksheet process adds information dependent on a product selection.
 33. The computer-implemented method of claim 14, wherein the rating process includes calculating premium options.
 34. The computer-implemented method of claim 33, wherein the create quote process includes creating a quote letter having an option to select one of the premium options.
 35. The computer-implemented method of claim 33, wherein the book and bill process includes the steps of selecting a payment plan and a billing method.
 36. The computer system of claim 28, wherein the create quote process includes creating a quote letter having an option to select one of the premium options.
 37. The computer system of claim 1, wherein the processor is further configured to generate a graphical user interface associated with each of the insurance processes.
 38. The computer system of claim 37, wherein the graphical user interfaces comprise a block for permitting a user to initiate a submit operation to enable entry to one of the other of the plurality of insurance processes.
 39. The computer system of claim 1, wherein the processor is further configured to communicate employing a message comprising a user identification portion, a state identification portion identifying a state associated with one of the insurance processes, a state function identification portion, a state switch indication portion and an allow next state indication portion.
 40. The computer-implemented method of claim 14, further comprising generating a graphical user interface associated with each of the insurance processes.
 41. The computer-implemented method of claim 14, further comprising communicating a message comprising a user identification portion, a state identification portion identifying a state associated with one of the insurance processes, a state function identification portion, a state switch indication portion and an allow next state indication portion. 